If you are a delivery driver who drives and delivers food, couriers goods and services in the UK, then your standard car insurance will not cover your vehicle. You’ll require different types of insurance plans to protect you financially in case of an emergency or accident. In this guide, we have covered everything you need to know about insuring yourself and choosing the right delivery driver insurance. Scroll down further to know more.
There are certain reasons why your standard car insurance will not cover you while conducting deliveries. Your standard car insurance can’t cover you while delivering goods or food. It means if an accident happens you’ll pay for the damages done to you, the third party as well as your vehicle. This is because your standard car insurance covers you only when you’re driving your vehicle for personal and domestic needs. You can’t be covered because you are using your vehicle commercially.
So you must be thinking about how to get covered as a delivery driver? Well along with personal or standard car insurance you’ll require different types of insurance policy which are designed for delivery drivers.
Your insurance requirement also depends on the following scenarios.
If you drive a vehicle provided by your company or employer
In this case, the vehicle will be covered by your company. It means if any accident happens the insurance policy held by your company will compensate for damages and losses.
If you drive your own vehicle
Here you need to obtain commercial car insurance to use your vehicle to deliver goods, courier or food. It’ll protect you and your vehicle.
Let’s learn about commercial car insurance in detail.
As we discussed above your standard car insurance policy will not be able to cover you in case of an emergency, so you need a different policy for financial and legal protection. Commercial vehicle insurance will cover your vehicle in case of an emergency and acts as a financial safeguard.
Why You Need Commercial Car Insurance?
You need this insurance covers because:
Cost of Commercial Car Insurance
The cost of commercial vehicle insurance is higher as compared to standard vehicle policies as both fulfill different insurance needs and protects your liability.
The factors affecting your commercial vehicle premiums are the following:
If you have a claim-free and clean driving history your insurance costs will be less.
Your Delivery Vehicle
Your vehicle’s mileage, type, and model also determine the cost of your insurance cover.
This is an important factor that decides your insurance cost and risks associated. If you deliver in areas with high traffic density your premium costs will be high.
There are three levels of covers you can choose while signing up for commercial vehicle insurance.
This is a standard policy where the only third party is covered during an accident. Damages that occurred to you or your vehicle are not insured and you have to pay for them.
Third-Party Fire and Theft
Along with the standard policy benefits you’ll be covered if your vehicle is stolen or caught fire while working.
This is an all-round commercial insurance policy that covers you for all the above benefits accompanied by covering you and your vehicle as well during an incident.
With commercial car insurance you can use your vehicle for delivering:
To become eligible for this insurance cover you need to be:
After getting insured kindly follow the following safety tips to reduce associated risks while conducting deliveries.
It helps in maintaining a clean driving history with no claims, thereby reducing your insurance costs.
Install security devices.
Fit your delivery vehicle with a CCTV camera or remote alarm system for safety purposes.
Stay connected with your restaurant or courier office.
This will help them assist you in case of an emergency or incident.
Keep a first aid kit
So you can easily treat minor injuries that may occur while conducting deliveries.
Lock your car and keep the keys with you
While delivering essentials in the apartments always lock your car and keep the keys with you.
Simple Insurance Solutions offer the best commercial insurance quotes in the industry. We have proven experience of helping delivery drivers choose the right insurance policy to stay financially protected. Just let us know your requirements, answer basic questions and we will provide the right insurance cover for you.